Flood Insurance for Farmers Act of 2025

This bill changes the National Flood Insurance Program rules for farm buildings in flood-prone areas. It lets state or local officials grant a variance so certain agricultural structures do not have to be elevated or floodproofed, if officials find those steps are not practicable and other conditions are met, and FEMA could not suspend or put a community on probation for allowing such variances. Farm structures with a variance would be charged the same flood insurance rate as a dry floodproofed structure or a comparable risk-based rate. The bill also allows FEMA to offer one optional umbrella flood insurance policy covering multiple structures on the same commercial, residential, or agricultural property, and requires a report to Congress on this within five years.

Full text and official record on Congress.gov

Sponsors

• 4 cosponsors